I would agree with your comments with one caveat. If you plan to travel a lot, or have multiple residences in other states like we do, the Medicare Advantage Plan can be inconvenient since you need to have a primary physician referral for specialty care and you may be out of your network coverage area other places. The ability to pick any physician where ever you are is a plus for regular Medicare. If you have some serious health problems, which we have experience with, and have extended stays in multiple cities regularly, you may be better off with regular Medicare. Do your homework and then make the determination based on your lifestyle. It can be tricky.
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